obama has this way, almost tripling the dividend tax increase. it's going to be about 50% or so increase the tax-free capital gains. if you love or the tax tax return on investing, you're basically going to love her the amount of investment taking place. so we have to resolve issues, which basically confront us and probably nothing's going to happen until november 6 received a leader of the country and who controls congress. these are factors we have to worry about. now my observation was to go back early into my career. i say that what the big smile and certain sense of modesty, but i got my mba from columbia in january 311967. fas child was at business school for six months old when i graduated. i had no money in the bank like national defense education and student loans to repay. so i'm sure you've learned if you have liability no asset to make it if not worse. i hope you are not an basically had no choice but to go to work immediately. the very next day, february 1st 1967 i thought of my goldman sachs. on february 1st 1967, the dallas roughly